Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$438,871Cash toward the purchase price.
Closing costs + prepaids$14,927Not just lender fees.
Before credits & paid funds$453,799The complete starting cash picture.
Estimated remaining funds due at closing
$453,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,871.33
Your down payment$438,871.33
Closing costs + prepaids$14,927.37
Total buyer cash needed$453,798.70
Remaining funds due$453,798.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,305.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$840.00
Initial HOA (3 months)$20.01
Prepaid interest, first (12 days)$295.21
Fees + prepaids$14,927.37
Your down payment is the seller’s equity. You take over the $261,029 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $453,798.70 is due at closing. Uses and sources reconcile at $714,827.37 each. Not a Closing Disclosure.